Privacy Policy

Effective date: 21-10-2025

Welcome to Rain Transfer ("we", "us", "our"). This Privacy Policy explains how we collect, use, disclose, and protect personal data when you use our cross-border currency exchange mobile application and related services within Africa (the "Service").

1. Scope

This policy applies to all users of the Service, including individuals and businesses that use the app to send, receive, convert, or manage funds across borders within African countries.

2. Definitions

• Personal Data: Any information that identifies or can identify a natural person, such as name, phone number, national ID, or email.
• Transaction Data: Details of currency exchanges, amounts, timestamps, origin and destination countries, and transaction reference numbers.
• Service Providers: Third parties that process data on our behalf (payment processors, banks, identity verification providers, analytics).

3. Information We Collect

3.1 Information you provide

• Account registration: full name, email address, phone number, password.
• Identity verification (KYC): national ID number, passport, BVN/NIN (where applicable), photograph, proof of address.
• Bank or mobile-money details: account numbers, mobile wallet IDs.
• Customer support messages and feedback.

3.2 Information we collect automatically

• Usage data: pages/screens visited, features used, timestamps, session duration.
• Device & connection data: device model, OS version, IP address, mobile carrier, app version.
• Location data: country-level location inferred from IP or device permission if you grant it.

3.3 Transaction and payment information

Details of transfers, exchange amounts, currencies, fees, exchange rates used, counterparties (when required), and transaction logs.

4. How We Use Your Information

We use the data for the following purposes:

• To provide the Service: process exchanges, transfers, settlement, and deliver receipts.
• Identity verification and anti-fraud: KYC, AML/CTF checks, sanctions screening and fraud detection.
• Payment processing and reconciliation with banks and mobile-money operators.
• Customer support and dispute resolution.
• Compliance and legal obligations: fulfilling requests from regulators or courts in applicable jurisdictions.
• Improvements & analytics: to understand usage, fix bugs, and improve features.
• Marketing and communications: with your consent, send promotional messages and updates (you may opt out).

5. Legal Basis for Processing

Where applicable, we rely on one or more of the following legal bases to process your personal data:

• Your consent (e.g., for marketing or optional analytics features).
• Performance of a contract (providing the exchange and payment services you request).
• Compliance with legal obligations (KYC/AML and regulatory reporting).
• Legitimate interests (fraud prevention, improving the Service), balanced against your rights and interests.

6. Sharing Your Information

We may share personal data with:

• Service providers: payment processors, banks, mobile-money operators, KYC/ID verification providers, cloud hosting, and analytics vendors who process data on our behalf.
• Regulators & law enforcement: when required by law, regulation, or to respond to lawful requests.
• Counterparties: correspondent banks, settlement partners and recipients necessary to complete your transactions.
• Affiliates: where you use services operated by our group companies.
• Business transfers: in the event of a merger, acquisition, or sale of assets, with notice to users where required.

7. Cross-Border Data Transfers

Your information may be transferred to, stored, and processed in countries across Africa and, where needed, outside the continent by our service providers or partners. We will take reasonable steps to ensure appropriate safeguards are in place and that transfers comply with applicable laws and regulatory requirements.

8. Data Security

We implement reasonable administrative, technical, and physical measures to protect personal data against unauthorized access, loss, or misuse. These may include encryption in transit and at rest, access controls, logging, and secure hosting. However, no system is completely secure — please help protect your account by using a strong password and keeping your device secure.

9. Data Retention

We retain personal and transaction data for as long as necessary to:

• Provide the Service and maintain records of transactions.
• Comply with legal and regulatory obligations (including KYC/AML retention requirements).
• Resolve disputes and enforce agreements.

Retention periods vary by jurisdiction and the type of data. Contact us if you need details for a specific record.

10. Your Rights

Depending on your country of residence and local law, you may have rights including:

• Accessing the personal data we hold about you.
• Correcting inaccurate or incomplete data.
• Requesting deletion or restriction of processing (subject to legal obligations to retain certain records).
• Receiving a portable copy of your data (data portability) where technically feasible.
• Withdrawing consent for processing that relied on consent.

To exercise these rights, contact us at the contact details below. We may ask for identity verification before responding to requests.

11. Children

Our Service is not intended for children under 18. We do not knowingly collect personal data from children. If you believe we have inadvertently collected data from a child, please contact us to request deletion.

12. Cookies & Similar Technologies

We and our service providers use cookies and similar technologies to operate the Service, enable core functionality, and for analytics. You can control cookies using your browser or device settings. For mobile apps, we may use identifiers provided by the platform for analytics and advertising. You can opt out of targeted advertising via your device settings where available.

13. Third-Party Links

The Service may contain links to third-party websites or services. This Privacy Policy does not apply to those third parties — please review their privacy notices before sharing personal data.

14. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will post the revised policy in the app and update the "Effective date". Significant changes will be communicated via the app or email where appropriate.

15. Contact Us

If you have questions, requests, or complaints about this Privacy Policy or our data practices, contact:

Rain Transfer
Email: support@diimtech.com
Address: House 128 3Rd Avenue City Estate Life Camp Abuja Nigeria.